{"id":2249,"date":"2023-11-11T16:19:54","date_gmt":"2023-11-11T22:19:54","guid":{"rendered":"https:\/\/ameriplanstage.wpengine.com\/?p=2249"},"modified":"2024-04-29T10:20:57","modified_gmt":"2024-04-29T15:20:57","slug":"discount-healthcare-plan-myths","status":"publish","type":"post","link":"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/","title":{"rendered":"The Top Myths Surrounding Discount Healthcare Plans Debunked"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0 0 0 0;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Discount healthcare plans have received some bad press. We want to take this opportunity to remind our clients of the truth about medical discount plans. Below, we will present discount healthcare plan myths.<\/span><\/p>\n<p><!--more--><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#Myth_1_Medical_discount_plans_masquerade_as_health_insurance\" >Myth #1: Medical discount plans masquerade as health insurance.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#Myth_2_Medical_discount_plans_cant_be_used_if_you_have_health_insurance\" >Myth #2: Medical discount plans can&#8217;t be used if you have health insurance.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#Myth_3_Medical_discount_plans_do_not_offer_any_health_care_services\" >Myth #3: Medical discount plans do not offer any health care services.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#Myth_4_Medical_discount_plans_cost_thousands_per_year\" >Myth #4: Medical discount plans cost thousands per year.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#Read_the_Fine_Print_When_Signing_Up_for_a_Medical_Discount_Plan\" >Read the Fine Print When Signing Up for a Medical Discount Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#Key_Takeaways_About_Discount_Healthcare_Plan_Myths\" >Key Takeaways About Discount Healthcare Plan Myths<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Myth_1_Medical_discount_plans_masquerade_as_health_insurance\"><\/span><span style=\"font-weight: 400;\">Myth #1: Medical discount plans masquerade as health insurance.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Companies may need to be more transparent about the services they provide consumers. However, top-tier medical discount plans are clear that their programs are <\/span><b>alternatives to high-priced health insurance<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In fact, the name \u2013 medical discount plan \u2013 precisely details the goal of such programs \u2013 to provide <a href=\"\/discount-health-care-plan\/\">discounts on healthcare costs<\/a>. This is not the goal of an insurance company.\u00a0<\/span><\/p>\n<p><b>Truth:<\/b><span style=\"font-weight: 400;\"> Discount plans have different goals than health insurance plans. If a medical discount plan company presents itself as a health insurance provider, contact your state insurance commissioner or <\/span><a href=\"https:\/\/www.bbb.org\/\"><span style=\"font-weight: 400;\">Better Business Bureau<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Myth_2_Medical_discount_plans_cant_be_used_if_you_have_health_insurance\"><\/span><span style=\"font-weight: 400;\">Myth #2: Medical discount plans can&#8217;t be used if you have health insurance.\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Again, <a href=\"\/discount-plans-vs-insurance\/\">medical discount plans and health insurance<\/a> plans are different. If you have health insurance, you should not cancel your coverage when signing up for a medical discount plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some people with health insurance feel that there&#8217;s a financial incentive to use discount plans in conjunction with their health insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, you may have purchased a high-deductible health insurance plan to reduce monthly costs. You may never meet your deductible if you and your family members are relatively healthy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If this describes your situation, you may save on healthcare costs by paying for the discounted medical service in cash \u2013 instead of having the full price for the service and having it go toward your deductible that you never meet.\u00a0<\/span><\/p>\n<p><b>Truth:<\/b><span style=\"font-weight: 400;\"> Some people with high deductible health insurance plans may save money by paying for the discounted medical service in cash at the time of the service.<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-fusion-600 wp-image-2251\" src=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-600x400.jpg\" alt=\"medical discount plans\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-200x133.jpg 200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-300x200.jpg 300w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-400x267.jpg 400w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-600x400.jpg 600w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-768x512.jpg 768w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-800x534.jpg 800w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-1024x683.jpg 1024w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans-1200x801.jpg 1200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/medical-discount-plans.jpg 1253w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Myth_3_Medical_discount_plans_do_not_offer_any_health_care_services\"><\/span><span style=\"font-weight: 400;\">Myth #3: Medical discount plans do not offer any health care services.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The primary goal of a <a href=\"\/medical-discount-plan\/\">medical discount plan<\/a> is to help people save money on health care costs \u2013 as long as they use participating providers. However, the benefits of such companies may vary. Some offer telehealth services as a simple, affordable complement to everyday healthcare needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, AmeriPlan&#8217;s Telehealth Plus plan allows you to connect with U.S. board-certified doctors by phone \u2013 seven days a week for $35 or less per call. The network physician will review your medical questions, diagnose your condition, recommend treatment, and, if medically necessary, write you a prescription.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While it&#8217;s true that most discount plans and health insurance companies do not offer any health care services \u2013 AmeriPlan does.<\/span><\/p>\n<p><b>Truth: <\/b><span style=\"font-weight: 400;\">AmeriPlan&#8217;s Telehealth Plus plan provides access to healthcare professionals \u2013 without having to leave your home.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Myth_4_Medical_discount_plans_cost_thousands_per_year\"><\/span><span style=\"font-weight: 400;\">Myth #4: Medical discount plans cost thousands per year.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Be wary of medical discount plans that charge thousands of dollars for their program. (If you have thousands of dollars to spend on healthcare, purchase an insurance plan from the marketplace.)\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The benefit of working with a company offering medical discount plans is that the monthly fees are affordable \u2013 and such programs offer legitimate <a href=\"\/prescription-discount-cards\/\">discounts on drug costs<\/a>, dental visits, blood work, and more.<\/span><\/p>\n<p><b>Truth:<\/b><span style=\"font-weight: 400;\"> AmeriPlan offers three affordable options. Your entire household could benefit from the plan for less than $39.95 per month.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Read_the_Fine_Print_When_Signing_Up_for_a_Medical_Discount_Plan\"><\/span><span style=\"font-weight: 400;\">Read the Fine Print When Signing Up for a Medical Discount Plan<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Unfortunately, there are a lot of false claims about health discount plans. Ensure you have all the facts by reading the fine print of every program before signing up for services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">AmeriPlan welcomes your scrutiny. We have nothing to hide. We state clearly that our medical discount plan is NOT the same as a health insurance plan. But, by signing up for our program, you can save money on prescription drugs and healthcare services for your entire household.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learn more about the <a href=\"\/\">AmeriPlan<\/a> programs by filling out the <\/span><span style=\"font-weight: 400;\">contact form on our website<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways_About_Discount_Healthcare_Plan_Myths\"><\/span><span style=\"font-weight: 400;\">Key Takeaways About Discount Healthcare Plan Myths<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical discount plans are not the same as health insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can be enrolled in a health insurance plan and medical discount plan simultaneously.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some medical discount plans offer medical services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical discount plans should be affordable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Read the fine print before signing up for a medical discount plan. <\/span><\/li>\n<\/ul>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 11vh;margin-top : 0px;padding-right : 0px;padding-bottom : 11vh;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Discount healthcare plans have received some bad press. We want to take this opportunity to remind our clients of the truth about medical discount plans. Below, we will present discount healthcare plan myths.<\/p>\n","protected":false},"author":26,"featured_media":2250,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-2249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medical-discount"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Top Myths Surrounding Discount Healthcare Plans Debunked<\/title>\n<meta name=\"description\" content=\"Allow us to debunk some discount healthcare plan myths. Medical discount plans offer legitimate ways to save money on your healthcare needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lin McLeod\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/\"},\"author\":{\"name\":\"Lin McLeod\",\"@id\":\"https:\/\/www.ameriplanusa.com\/#\/schema\/person\/52f474fa680774d7a1e9356c59434d58\"},\"headline\":\"The Top Myths Surrounding Discount Healthcare Plans Debunked\",\"datePublished\":\"2023-11-11T22:19:54+00:00\",\"dateModified\":\"2024-04-29T15:20:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/\"},\"wordCount\":939,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/discount-healthcare-plan-myths.jpg\",\"articleSection\":[\"Medical Discount\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/\",\"url\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/\",\"name\":\"The Top Myths Surrounding Discount Healthcare Plans Debunked\",\"isPartOf\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/discount-healthcare-plan-myths\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/11\/discount-healthcare-plan-myths.jpg\",\"datePublished\":\"2023-11-11T22:19:54+00:00\",\"dateModified\":\"2024-04-29T15:20:57+00:00\",\"description\":\"Allow us to debunk some discount healthcare plan myths. 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